There are four factors to determine the maximum amount of provident fund loans, the restrictions of the city where the provident fund is paid, the available loan period, the amount of provident fund paid every month and the balance of the provident fund account.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. 20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying the revision of the regulations on provident fund and liberalizing the provision that individuals withdraw provident fund to pay housing rent. 20 13 Some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergencies.